Bank Comparison
Bank of Missouri, the vs First State Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 17
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bank of Missouri, the | First State Community Bank |
|---|---|---|
| CET1 Ratio | 10.90% | 13.77% |
| Tier 1 Capital Ratio | 10.90% | 13.77% |
| Total Capital Ratio | 11.49% | 14.81% |
| Tier 1 Leverage Ratio | 10.53% | 11.45% |
| Equity / Assets | 11.59% | 11.99% |
Profitability
| Metric | Bank of Missouri, the | First State Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.94% | 1.75% |
| Return on Equity (ROE) | 8.61% | 14.36% |
| Net Interest Margin (NIM) | 3.43% | 3.72% |
| Yield on Earning Assets | 5.52% | 5.37% |
| Cost of Funds | 2.33% | 1.77% |
Asset quality
| Metric | Bank of Missouri, the | First State Community Bank |
|---|---|---|
| Texas Ratio | 3.33% | 8.44% |
| Non-Performing Loan Ratio | 0.41% | 1.20% |
| Non-Performing Asset Ratio | 0.31% | 0.93% |
| Net Charge-Off Ratio | 0.00% | 0.11% |
| ACL / Loans | 1.07% | 1.04% |
Balance sheet
| Metric | Bank of Missouri, the | First State Community Bank |
|---|---|---|
| Total Assets | $4,236M | $4,512M |
| Total Deposits | $3,613M | $3,789M |
| Total Loans | $3,162M | $3,417M |
| Total Equity | $491,150K | $541,234K |
| Net Income (quarter) | $9,022K | $19,464K |
Liquidity & funding
| Metric | Bank of Missouri, the | First State Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.52% | 90.18% |
| Core Deposit Ratio | 91.50% | 91.18% |
| Uninsured Deposit Ratio | 26.44% | 23.27% |
Identity
| Metric | Bank of Missouri, the | First State Community Bank |
|---|---|---|
| Headquarters City | PERRYVILLE | FARMINGTON |
| Headquarters State | MO | MO |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 31 | 53 |
| Employees (FTE) | 569 | 699 |
| Established | Nov. 7, 1891, midnight | May 11, 1954, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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